With multiple locations in New York State, the Reliant Community Federal Credit Union offers a premium credit card with one of the best introductory interest rates currently available. Cardholders can request balance transfers and they pay no more than 4.95% in financing for the first six billing periods.
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Although Reliant Community FCU only has one complaint registered against it with the Better Business Bureau, a “B-” rating has been assigned. Despite this fact, there are still thousands of credit union members that have become Reliant Community FCU Visa Platinum cardholders, and they are completely satisfied with their experiences thus far.
Reliant Community FCU Visa Platinum Credit Card Benefits
The Reliant Community Federal Credit Union Visa Platinum credit card varies in interest. All new applicants that are approved pay 4.95% interest for cash advances, balance transfers, and standard purchases. A higher, variable interest rate becomes applicable once the introductory period is over.
Cardholders with the best credit scores pay 6.2% interest, while others can pay up to 14.2% on purchases made with the Reliant Community FCU Visa Platinum credit card.
Your payment history and any credit score changes that occur during the credit card introductory interest period can make your standard APR go up or down. Accountholders also have the benefit of enjoying no foreign transaction fees when they use their credit card to make purchases while abroad.
Reliant Community FCU Visa Platinum Credit Card Fees
There are a few different fees that Reliant Community FCU Visa Platinum credit cardholders have to worry about, but most are avoidable. If you decide to make a monthly credit card payment by phone, note that there will be a $5 convenience fee.
Late fees can be as high as $25, but you will pay less if the amount due is lower. Initiating a credit card payment that cannot be processed can result in numerous charges, including both a returned payment fee and an insufficient funds charge. The fee for returned payments is $20 and insufficient funds fees are $28.
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